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Improving Homeownership Outcomes Is Critical to Narrowing the Wealth Equity Gap

Homeownership is a critical wealth-building tool, yet households of color find it more difficult to achieve homeownership than white households do. Further, when households of color, Black and Hispanic households in particular, do achieve homeownership, they often do not reap the same degree of benefits as their white counterparts, facing lower home values and higher homeownership costs. To better understand these inequities, the Urban Institute has spent more than a year analyzing homeownership disparities by race and ethnicity, including the racial and ethnic gaps in housing wealth, the disparate impact of economic cycles on Black and Hispanic homeowners, and the future of racial homeownership gaps absent key policy change.

Join us for a summary of our findings and an ensuing conversation about strategies to advance racial equity in homeownership. We will discuss policy solutions state and local policymakers can implement in collaboration with the federal government, community organizations, service providers, and industry to ensure homeownership is equally attainable and beneficial for households of color.



  • Chuck Bishop, Head of Diverse Segments, Home Lending, Wells Fargo
  • Chrystal Kornegay, Executive Director, MassHousing
  • Cathie Mahon, President and Chief Executive Officer, Inclusiv
  • Michael Neal, Senior Research Associate, Urban Institute
  • Janneke Ratcliffe, Associate Vice President for Housing Finance Policy, Urban Institute
  • Jake Spano, Mayor, St. Louis Park, Minnesota
  • Melody Taylor, Regional Director for the Mid Atlantic Office of Fair Housing and Equal Opportunity and Executive Director of the Property Appraisal and Valuation Equity Taskforce, US Department of Housing and Urban Development
  • Sarah Rosen Wartell, President, Urban Institute
  • Caitlin Young, Research Assistant, Urban Institute

Support for this event is provided by Wells Fargo. For more information on the Urban Institute’s funding principles, go to

We strive to host inclusive, accessible events that enable all individuals, including individuals with disabilities, to engage fully. Please email [email protected] if you require any accommodations or have any questions about this event.

Image credit: Joseph Sohm/Shutterstock


Date & Time Thursday, December 16, 2021

  • Senior Fellow
  • Vice President for Housing Finance Policy
    Interim Vice President for Metropolitan Housing and Communities Policy Center
  • Policy Analyst